Retail Payment SolutionsRetail Payment Solutions

Retail Payment Solutions

Internet (Online) Acquiring:


BAFL offers secured Internet acquiring business to its customer to facilitate their payments locally and internationally. For this purpose, BAFL provides secure internet business environment powered by MPGS (Mastercard Payment Gateway Service).

Bank Alfalah enjoys market leadership in the online acquiring business with more than 50% market share and the trust of hundreds of merchants including Payment Facilitators such as Easypaisa, NIFT, Payfast etc.

Our Internet acquiring capability is a partnership between Bank Alfalah and MasterCard. MasterCard’s distributed intelligence network and world -class operational infrastructure are second to none in the payments industry in terms of quality, reliability and flexibility.

Schemes onboarded for internet payment gateway

  • MasterCard
  • VISA

Who can opt for Online Acquiring:

Following businesses with a running website/app can opt for Bank Alfalah Internet acquiring business

  • Sole Proprietor
  • Partnership
  • Private/Public Limited Company
  • Trust/NGO’s

Integration Options:

BAFL internet acquiring offers the below integration options:

  • Direct API Integration
  • Hosted Checkout
  • Hosted Session

For improved customer experience and security, BAFL Internet acquiring also offers Tokenization and Recurring payments functionality


Hassle free Settlement – T+2 (working days)

Notable Merchants:

  • Daraz
  • Foodpanda
  • Sefam
  • Sapphire
  • Careem
  • Nayatel
  • Ravi Urban Development Authority (RUDA):
  • FWO

POS Acquiring:

In 2005, we introduced state of the art card acquiring facility in Pakistan. Our objective is to cater the needs of our customers/merchants.  Our goal is to constantly endeavor to increase the existing base by adding valuable business partners. Currently, BAFL is the one of the market leaders in Acquiring business with more than 26% market share in terms of business volumes translating into a network of more than 20,000 plus POS machines across Pakistan. POS machines are enabled with Tap n Pay feature to improve the customer experience at POS terminals.

BAFL offers POS management platforms, which comprises of;

  • Terminal Management System for remote update
  • Loyalty System – Orbits Redemption
  • Merchant Portal – Web portal for merchants to monitor volumes
  • Acceptance of cards of all schemes including VISA, Mastercard, UnionPay, American Express & JCB
  • Android based POS machines making it easier for merchants and customers to make transactions

Support & Maintenance:

BAFL offers countrywide support team to ensure smooth services to merchants, which includes services of;

  • On-site maintenance of terminals
  • Ensures availability of back up terminals
  • Provision of multiple terminals on key sites
  • POS rolls provision


Funds are settled on T+1 (working day) basis in merchant accounts

Notable Merchants:

  • Carrefour
  • Sefam
  • AlFatah
  • Mcdonald’s
  • Sapphire
  • Ideas
  • Khaadi